Have you taken the steps to separate the business from a family run business to one of two business partners? It seems like you say "we pay" a lot for non-business items.
I don't want to make recommendations on how to run your business, but it appears that YOU aren't making the changes for the business. That YOU are going to make the sacrifices to keep the company afloat.
What I did, though it really isn't necessary....is run my business as though I am an employee and not the owner. Does it cost me more in taxes...yes it does....but it also clearly defines the separation between business and house.
Why not switch your husband and yourself to payroll and just quarterly withdrawals on profits (better yet, in this economy...just year end). That way you each receive pay to cover your individual bills and your bills aren't getting paid by one account.
There is just something wrong to me when I read;
Quote:
his apartment which cost us $1,000 a month
Which to me should read....He pays for his rent with his pay.
